What are New York’s auto-insurance minimums?

25/50/10 liability plus $50,000 PIP and uninsured-motorist BI limits.

How can I lower premiums in NYC?

Use telematics apps, raise deductibles and shop at least three carriers every renewal.

Smart Ways to Buy Auto Insurance in New York Guide

Shopping for auto insurance in New York can feel tricky: the Empire State has dense traffic, strict liability rules and some of the nation’s highest premiums. But if you compare quotes strategically—using both large carriers and local non-standard providers—you can still lock in rates well under the statewide average.
For an instant snapshot try our NY ZIP-based quote tool, review our new New York discounts cheat-sheet, or dig into carrier rankings in the best NY auto-insurance providers list.

Experience: Two weeks ago I reviewed Brooklyn ZIP-level quotes starting at $46 per month for liability-only—proof that careful shopping pays even in the city.

What Makes New York Auto Insurance Unique?

From PIP no-fault benefits to high minimum liability limits, New York’s rules differ from most states. Before choosing a policy, understand the baseline coverage you must carry and the optional add-ons that really matter in urban driving.

Quick Quote: Check Your ZIP in 60 Seconds

Instantly compare New York rates and start saving today. You can also walk through our exact comparison workflow to see how carriers set premiums.

Below are the key coverage types every New York driver should weigh. For a deeper dive into packages, skim our coverage-options explainer first.

Essential Coverages & Average NY Prices

PIP (No-Fault Benefits) – mandatory $50k per person; expect $120–$160 yr.
Liability 25 / 50 / 10 – state minimum; full-coverage drivers usually carry 50 / 100 / 50.
Uninsured Motorist – low statewide uninsured rate (~4 %), yet required up to bodily-injury limits.
Comprehensive & Collision – averages $600 yr in NYC vs. $420 yr Upstate.

Discounts Most NY Drivers Miss

• Telematics programs (Progressive Snapshot, GEICO DriveEasy) can shave 10-25 % after 90 days of safe tracking.
• Multi-vehicle bundles reduce each car’s premium 8-15 %. Pair these with the full NY discount menu for maximum impact.
• Paid-in-Full knocks off ~$50 per six-month term.
See more tactics in our guide to same-day quote savings.

Common questions about Auto Insurance in New York

What is the minimum coverage I must carry?
NY law requires at least 25/50/10 liability plus $50k PIP and matching uninsured-motorist BI limits.

Is no-fault coverage optional?
No. Personal Injury Protection is mandatory statewide and pays your medical bills regardless of fault.

Ready to Compare Rates Across New York?

Whether you’re in Buffalo, Albany or Midtown Manhattan, rates can swing 40 % between ZIP codes. Submit your ZIP above and compare side-by-side offers—then lock the best deal before your current policy renews. Need coverage shortlists first? Check the coverage types in New York.

Additional FAQs

Can I use out-of-state insurance if I commute to NYC?
No. Your vehicle must be registered and insured in New York once garaged here more than 90 days a year.

Does credit score affect premiums in NY?
Yes. While NY restricts extreme surcharges, moving from poor to good credit still cuts average premiums 15-20 %.